AmeriServ Financial Inc (ASRV) — Defensive Interval Ratio
AmeriServ Financial Inc (ASRV) has a Defensive Interval Ratio of 7 days as of December 2025. Defensive assets of $23.66 Million (cash $-, short-term investments $18.10 Million, receivables $5.56 Million) cover 7 days of daily cash needs of $3.42 Million/day. Check AmeriServ Financial Inc (ASRV) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
AmeriServ Financial Inc Defensive Interval Ratio (1992–2025)
This chart shows how AmeriServ Financial Inc's Defensive Interval Ratio has evolved across 34 annual periods from 1992 to 2025. As of December 2025, the ratio stands at 7 days, meaning defensive assets of $23.66 Million can fund 7 days of operations without new revenue. Also explore ASRV net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for AmeriServ Financial Inc (1992–2025)
The table below presents the year-by-year Defensive Interval Ratio for AmeriServ Financial Inc from 1992 to 2025, covering 34 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see AmeriServ Financial Inc market cap and net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 7 days | $23.66 Million | $3.42 Million/day | $- | $18.10 Million | ▼ -41 days |
| 2024 | 48 days | $161.11 Million | $3.33 Million/day | $- | $155.62 Million | ▼ -4 days |
| 2023 | 52 days | $171.24 Million | $3.29 Million/day | $- | $165.71 Million | ▼ -4 days |
| 2022 | 56 days | $184.31 Million | $3.28 Million/day | $- | $179.51 Million | ▲ +3 days |
| 2021 | 54 days | $167.16 Million | $3.12 Million/day | $- | $163.17 Million | ▼ -554 days |
| 2020 | 607 days | $149.23 Million | $245.73K/day | $- | $144.16 Million | ▲ +553 days |
| 2019 | 54 days | $145.20 Million | $2.69 Million/day | $- | $141.75 Million | ▼ -1 days |
| 2018 | 55 days | $150.22 Million | $2.71 Million/day | $- | $146.73 Million | ▲ +7 days |
| 2017 | 49 days | $132.74 Million | $2.73 Million/day | $- | $129.14 Million | ▲ +0 days |
| 2016 | 48 days | $130.19 Million | $2.69 Million/day | $- | $127.08 Million | ▲ +1 days |
| 2015 | 47 days | $122.52 Million | $2.61 Million/day | $- | $119.47 Million | ▼ -5 days |
| 2014 | 52 days | $130.24 Million | $2.49 Million/day | $- | $127.11 Million | ▼ -7 days |
| 2013 | 59 days | $144.89 Million | $2.46 Million/day | $- | $141.98 Million | ▼ -7 days |
| 2012 | 66 days | $154.50 Million | $2.33 Million/day | $- | $151.54 Million | ▼ -15 days |
| 2011 | 82 days | $186.14 Million | $2.28 Million/day | $- | $182.92 Million | ▲ +79 days |
| 2010 | 3 days | $6.67 Million | $2.21 Million/day | $- | $3.46 Million | ▼ 0 days |
| 2009 | 3 days | $7.36 Million | $2.22 Million/day | $- | $3.77 Million | ▼ -5 days |
| 2008 | 9 days | $19.31 Million | $2.23 Million/day | $- | $15.58 Million | ▲ +7 days |
| 2007 | 2 days | $4.23 Million | $2.17 Million/day | $- | $197.00K | ▼ 0 days |
| 2006 | 2 days | $4.58 Million | $2.17 Million/day | $- | $413.00K | ▲ +0 days |
| 2005 | 2 days | $4.32 Million | $2.13 Million/day | $- | $199.00K | ▼ 0 days |
| 2004 | 2 days | $4.49 Million | $2.18 Million/day | $- | $199.00K | ▼ -248 days |
| 2003 | 250 days | $547.11 Million | $2.19 Million/day | $- | $542.19 Million | ▲ +247 days |
| 2002 | 3 days | $6.43 Million | $2.11 Million/day | $- | $362.00K | ▲ +1 days |
| 2001 | 3 days | $7.33 Million | $2.92 Million/day | $- | $660.00K | ▲ +2 days |
| 2000 | 0 days | $763.00K | $3.08 Million/day | $- | $763.00K | ▼ -4 days |
| 1999 | 5 days | $16.70 Million | $3.69 Million/day | $- | $- | ▲ +1 days |
| 1998 | 4 days | $17.20 Million | $4.46 Million/day | $- | $- | ▲ +1 days |
| 1997 | 3 days | $17.30 Million | $5.26 Million/day | $- | $- | ▼ -2 days |
| 1996 | 5 days | $17.40 Million | $3.55 Million/day | $- | $- | ▲ +0 days |
| 1995 | 5 days | $16.80 Million | $3.49 Million/day | $- | $- | ▲ +0 days |
| 1994 | 4 days | $16.90 Million | $3.88 Million/day | $- | $- | ▲ +1 days |
| 1993 | 3 days | $8.90 Million | $2.91 Million/day | $- | $- | ▼ 0 days |
| 1992 | 3 days | $9.40 Million | $2.79 Million/day | $- | $- | — |